Many things, beyond a high-paying job, affect your ability to amass a fortune.
Among them are how much people can save after taxes, what job opportunities are available in their area and how easily they can buy a home. All make a significant difference to someone's net worth.
"When it comes to building wealth, people think more about income than what it takes to create a high net worth," said Bankrate.com analyst Claes Bell.
To find fertile ground for wealth building, Bell scored 21 major metropolitan markets on their residents' savable income after taxes, human capital, access to financial services, homeownership rates and debt burdens.
Bell ranked the 21 cities by those five indicators with a score of zero through 10 and gave each metro area a total weighted score out of 50.
"I found that cities have different ways for building wealth," Bell said. Some cities offered six-figure salaries along with sky-high home prices. Others may not have the hottest job markets, but make up for that with affordable housing and low taxes.
Check out Bankrate's full list here.
— By CNBC's Tom Anderson
Posted 24 Oct. 2016